Quility and Symmetry Financial Group review for agents: contracting, pay, release terms and leads
Symmetry Financial Group (SFG) is Quility's life insurance agent organization. Agents join an agency owner's team, sell life, final expense and annuities and work inside Quility's own technology stack of HQ, Switchboard and Navigator. Quility publishes its release and promotion rules.
- Best for
- Life agents who want a structured team, a set promotion path and an in-house tech stack
- Lines
- Term life, whole life, final expense, indexed universal life, annuities and living benefits
- Monthly fees
- Optional tools from $42 a month
- Leads
- LeadStream digital and direct mail leads, priced by program
Our take
Read the release rules before you join. Quility's February 2026 release FAQ says it will not release agents to or from National Agents Alliance, Family First Life or Equis. The commission grid is shown inside HQ, its agent portal, after you contract.
Pros
- Release and transfer rules are published
- Promotion steps and approval points are published
- Daily direct-deposit advance on EasyTrak, Quility's term product
- Structured onboarding through Summit Basecamp
Cons
- No releases to or from National Agents Alliance, Family First Life or Equis
- Commission Grid visible only inside HQ
- Tool access ends immediately when you leave
- Paid tools such as Switchboard Sites
How you would join
Apply through the SFG form
You join an agency group under a group principal.
Open HQ tickets
The Quility Contracting team handles your carrier paperwork.
Wait on the carriers
Quility says carrier processing runs from 24 to 48 business hours to several weeks.
- Upline chain
- You, your agency owner and uplines, SFG, then the carrier
SFG is a recruiting hierarchy. You apply through the SFG form and join an agency group under a group principal, with uplines above and downlines below you on each carrier. Uplines earn carrier overrides on downline business.
Levels are a percent of the carrier schedule. An agent promoted to 110% on ProTrack, Quility's promotion track, must release the downline to the immediate upline. For SBLI, Quility says the agent signs the carrier contract in SureLC and Quility reviews and forwards it.
How you get paid
- Starting level
- On the Commission Grid inside HQ, after you contract
- Level bumps
- Promotion forms usually add 5%. Slingshot moves new agents from 80 to 95
- Overrides
- Uplines earn carrier overrides on downline business
Your level is a percentage contract shown on the Commission Grid inside HQ, so the starting level is shared during contracting.
Promotion request forms typically move an agent 5% higher, and the Slingshot promotion moves new agents through levels 80 to 95 based on Net Placed Premium, the premium on policies that are issued and paid. Changes at 105% or higher need approval.
Override discrepancy backpay covers policies from the last 90 days.
Leaving
- Release policy
- No releases to or from National Agents Alliance, Family First Life or Equis
For every other IMO, Quility releases you only after the other IMO has signed its release first.
Agents with no business written for six months or more may not need a carrier release, though certain carriers have their own forms. Moving between internal groups needs the current principal's approval, and you must stay in a group at least 90 days before the carrier processes more changes.
The technology terms let Symmetry keep using client data after you leave, and your access ends immediately, so keep your own copy. If an upline leaves, the downline is reassigned by form.
Advances, chargebacks and debt
For EasyTrak, Quility's own term product, Quility pays a 75% annualized advance daily on business days by EFT, and as-earned pay is available.
Lines and carriers
Lines include term, whole and final expense life, indexed universal life, annuities and some living benefit products. Quility B2B names SBLI, American Amicable, Banner Life, United Home Life, F&G, Foresters Financial, Protective Life, North American, Prudential, Mutual of Omaha, Americo and Corebridge Financial.
Leads, tools and who pays
Lead programs
| Program | Lead type | Price |
|---|---|---|
| Quility LeadStream | Digital and direct mail leads | Value-based, set in a custom program |
Optional tool prices
| Tool | Price |
|---|---|
| Switchboard Sites | $42 a month |
| Agency Rocket Debt Action Plan | $107.95 |
| Agency Rocket Banking Action Plan | $89.95 |
| Agency Rocket My New Retirement | $62.95 |
- Tools
- HQ, the Switchboard CRM, Navigator quoting and e-app and PerformDash
Quility LeadStream sells digital and direct mail leads on value-based pricing and asks agents to contact it for a customized program. No published Quility rule requires you to buy leads. Agents work in HQ, the Switchboard CRM, Navigator quoting and e-app and PerformDash.
Switchboard Sites requires Switchboard Activate. The Agency Rocket prices are preferred prices for contracted agents, and Quility does not state how often they bill.
Training and production
New agents start in Summit Basecamp, with Quility U, Agency Owners Academy, Leaders Summit, national conferences and weekly webinars after that.
Contracting, certifications and E&O
- Certifications
- A life license, or willingness to get one
- E&O required
- Yes, $1,000,000 or more. A group policy counts if your name is on the certificate
Apply through the SFG form, then the Quility Contracting team handles carrier paperwork through HQ tickets. Quility says carrier processing ranges from 24 to 48 business hours to several weeks. You need a life license or must be willing to get one.
Quility says some carriers may charge an appointment fee, but who pays is not published. Quility requires life insurance E&O of $1,000,000 or higher and accepts a group policy when the agent's name appears on the certificate.
Ownership and channel
- Competes for retail clients
- Yes. Quility also sells direct to consumers
Quility Insurance owns SFG, and F&G holds a minority stake in Quility. Quility also sells direct to consumers, and how it routes those leads against agents is not published.
Income claims
Quility says its agents usually earn a multiple of 3.5x or better on what they spend on leads. It gives no sample or expense basis, and it publishes no typical earnings disclosure.
Quility and Symmetry Financial Group alternatives
- Family First LifeFinal expense team with carrier direct pay and training
- Experior Financial GroupWrite your own business now and build a team later
- The Price Group$0 to joinPhone sales with posted lead prices and a mentor
- Brokers AllianceFree to contractOpen contracting with case design and no platform fee
See every option in insurance iMOs.
Frequently asked questions
What contract level do new Symmetry agents start at?
The starting level is shared during contracting on the Commission Grid in HQ. Quility's Slingshot promotion moves new agents through levels 80 to 95 on Net Placed Premium.
Can I leave Symmetry for another IMO?
Quility will not release agents to or from National Agents Alliance (NAA), Family First Life (FFL) or Equis. Agents with no business for six months or more may not need a carrier release, depending on the carrier.
Do I have to buy Quility leads?
Whether leads are required is not published. LeadStream leads are priced on a value basis with no public rate card.
What does the Quility tech stack cost?
Switchboard Sites costs $42 per month and requires Switchboard Activate. Other tool fees are not published.
Is Symmetry Financial Group a recruiting company?
It is a recruiting hierarchy. Uplines earn carrier overrides on their downline, and promotions run on Net Placed Premium.
Do Symmetry agents keep their book?
Renewal vesting and book ownership are not published. The technology terms let Symmetry keep using client data after you leave.
How we researched this review. We based this review on the terms and product pages published by Quility and Symmetry Financial Group, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan Quility and Symmetry Financial Group quit selling or a contract term that reads different now, let us know and send the link to the page where Quility and Symmetry Financial Group has it. Somebody here pulls up that page and checks it before we change anything on ours.